大学生网络借贷行为的调查与分析  

Survey and Study on College Students’ Online Lending Behavior

作　　者：郭维 曾凯赟 GUO Wei;ZENG Kai-yun(School of Credit Management,Guangdong University of Finance,Guangdong Guangzhou 510521,China;LongchuanSubbranch,Heyuan branch of the China Guangfa Bank,Heyuan Guangdong 517300,China)

机构地区：[1]广东金融学院信用管理学院,广东广州510521 [2]广发银行河源龙川支行,广东河源517300

出　　处：《大连民族大学学报》2019年第6期534-538,共5页Journal of Dalian Minzu University

摘　　要：对大学生网络借贷的使用和认知情况进行问卷调查,基于调查结果,分析了大学生发生网络借贷活动的内外部原因,指出网络借贷行为造成的危害,并提出相应对策:首先,规范网络借贷平台市场,加强对网络借贷平台的监管;其次,普及基础金融知识,帮助大学生培养合理的理财习惯和意识;最后,推广信用和诚信教育,帮助大学生树立信用观念和守信意识。Aiming at understanding the online lending behavior of college students,a questionnaire survey on the use and cognition of college students'online lending was conducted.Based on the survey results,this paper studies the internal and external factors causes of college students'behavior in online lending activities,analyzes the harm caused by those behavior and proposes corresponding countermeasures.This study proposes corresponding countermeasures:firstly,standardize the online lending platform market and create an atmosphere of online lending credit;secondly,popularize basic financial knowledge to help college students develop reasonable financial management habits and awareness;finally,promote credit and integrity education to help college students establish a credit concept and trustworthiness.

关 键 词：大学生 网络借贷 信用观念 

分 类 号：F016[经济管理—政治经济学]